­
5 billion

Our mission: Faster, better, more sustainable credit decisions.

Google uses big data to predict what you are searching for. Amazon uses big data to predict what you are interested in. We use that same data and complex algorithms to predict how creditworthy you are based on up to 8000 datapoints (e.g. your social online activity, your e-commerce purchases, your GPS locations).

Our model operates 24/7, across the globe and can handle unlimited numbers of applications fully automatized.

UNSCORED PEOPLE
WORLDWIDE

THE LEADING ONLINE BIG DATA SCORING TECHNOLOGY

5

SCORING FACTORS
USED FOR FICO SCORE

1

SOLUTION: BIG DATA
BASED SCORING

0

CREDIT BUREAUS
INVOLVED

B2C: BIG DATA -
SMALL LOANS

Kreditech builds a broad database and country independent learnings by aggressively expanding 100% automatized short-term microloans in emerging markets with little to no credit bureau data availability. The short duration of <45 days allows to iterate statistical models very dynamically.

8 sec

AVERAGE PROCESSING
TIME PER APPLICATION

<6 min

AVERAGE UNTIL
MONEY IS ON BANK ACCOUNT

150 €

AVERAGE LOAN SIZE

Zertifikato.com Kredito24.pl Kredito24.cz Zaimo.ru Kredito24.es Kredito24.mx Kredito24.kz Kredito24.com.au Kredito24.ua Kredito24.ar Kredito24.pe

DISRUPTING
B2C FINTECH

We take online lending to a new level. Imagine you apply in Moscow via smartphone, facebook or ipad, get an instant decision and can take out the cash 6min later out of an ATM as a new customer. No stupid questions, funny docs or scanned stuff required.

This is possible because we analyze many thousand data points in a way nobody has done before.

>750.000

PROCESSED APPLICATION DATA

>85 %

CUSTOMERS GET REJECTED

100 %

MORE SUSTAINABLE LENDING

THE BEST DRIVERS...

...are nothign without a great team of financial backers. Because starting from pole and being overtaken by someone with a faster car is no fun. So we got some fuel. Lots of fuel. In fact, it's not only fuel but every single investor adds a strategic benefit to setting a new global standard in scoring / microlending.

>125 %

ROI p.a.

>65 %

MONTHLY GROWTH

<13 %

DEFAULTS

Stefan Glaenzer Michael Brehm Young Brains Felix Haas Point9 Capital GreyCorp Heiko Hubertz Blumberg Capital Samwer Brothers / Global Founders Capital

THE
KREDITECH
FAMILY

Though we are based on automatized processes and are proud to be one of the leading technology companies, we wouldn't be anything without a great team and our unique working atmosphere.

1
TABLE TENNIS 17
NATIONALITIES 65
FIXED FULL-TIME
EMPLOYEES 90
NERF GUNS 1
HAFENCITY OFFICE
1
SELF LEARNING
COFFEE MACHINE

What Kreditech is

Kreditech uses BIG DATA and complex machine-learning algorithms to make better credit decisions. The technology identifies, scores individuals from anywhere on the world in seconds and decides over an instantly paid out credit based on up to 8000 data points (anything that can be found online). Kreditech uses this technology to provide banking products to customers in emerging markets where traditional banks lack oldschool scoring data and thus do not serve private customers. On the other hand, modular products (identification, scoring products, payment options) are available for external B2B customers (e.g. microlenders, banks, retailers, debt collectors).

Who Kreditech is

Kreditech is a company headquartered in Hamburg, with 65 employees out of 17 different nationalities, with offices in Prague, Moscow, Warsaw, Barcelona and London. The company was founded in 2012 by Sebastian Diemer (London School of Economics, Rocket Internet) and Alexander Graubner Müller (Uni St. Gallen,Quant Trading at LG Capital, Rocket Internet). Investors include: The Samwer brothers / Global Founders Capital, Blumberg Capital, Point9 Capital, Heiko Hubertz, Stefan Glaenzer, Michael Brehm, Felix Haas, etc. As we are growing faster than can be handled, we are always recruiting smart, entrepreneurial, internationally minded professionals on all levels:

Jobs at Kreditech

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